Self-Service Check Deposit Receipt Image Segmentation
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Solution Overview
Problem
Existing self-service check depositing terminals, such as ATMs, provide limited information on check deposit transactions when personal information is blanked out, reducing transparency for customers while attempting to protect payer identity.
Innovation Solution
The method involves capturing original check image data, embedding alphanumeric text data representing transaction information into the image, and printing a composite image onto a receipt, ensuring customer assurance of the deposit while protecting payer identity by replacing sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Object-affected harmful factors
If personal information in the check image is blanked out to protect payer identity, then privacy security is improved, but information completeness and customer transparency deteriorate
Solution Approach 1:
The patent segments the check image into different regions: sensitive personal information areas are blanked out while non-sensitive areas (check amount, date, routing number, account number) are preserved. This selective segmentation allows protection of payer identity while maintaining transaction transparency for the customer.
Solution Approach 2:
Different parts of the check image receive different treatments based on their sensitivity. Personal information fields (payer name, payee name) are blanked out with white rectangles, while other fields retain their original appearance. This local quality approach ensures privacy protection where needed while preserving information where beneficial.
2Loss of information
If complete check image is provided on receipt, then transaction transparency is improved, but payer identity security deteriorates
Solution Approach 1:
The receipt provides a segmented view of the check image where only necessary transaction details are visible. The system automatically identifies and masks sensitive regions while preserving non-sensitive regions, creating a balanced receipt that serves both transparency and security needs.
Solution Approach 2:
The patent introduces an intermediary processing step between check capture and receipt printing. This intermediary system analyzes the check image, identifies sensitive information, applies selective blanking, and generates the final receipt image. This intermediary layer mediates between the conflicting needs of transparency and privacy.
3Object-affected harmful factors
If selective blanking of personal information is implemented, then privacy protection is improved, but receipt information utility deteriorates
Solution Approach 1:
The patent applies local quality by treating different regions of the check image differently. Sensitive personal information regions are blanked out while non-sensitive transaction regions (amount, date, routing number, account number) are preserved with their original appearance, ensuring both privacy protection and transaction verification capability.
Solution Approach 2:
Instead of blanking out the entire check image or providing the complete image, the patent inverts the approach by selectively preserving only the necessary transaction information while blanking out everything else. This inversion strategy ensures that the receipt contains exactly the information needed for verification without any sensitive data.
Data Source
AI summary
A method is provided of operating a self-service check depositing terminal to provide a check deposit transaction receipt. The method comprises receiving a check from a depositor, capturing original check image data which is representative of an image of the check, embedding at least some alphanumeric text data which is representative of alphanumeric text into at least some of the original check image data to provide modified check image data which is representative of a composite image of the check and the alphanumeric text, and printing the composite image of the check and the alphanumeric text onto a check deposit transaction receipt.